Sin categorizar - Cluster Family Office

Alea, baraka, yúnqì, luck. Cluster effect.

If there’s one thing in this world that’s unevenly distributed, it’s luck. Although, just as the more times we toss a coin, the closer the results will be to 50%, we could To say that if we consider the fortunes of all the inhabitants of the planet without singling anyone out or making comparisons, we will conclude that chance is entirely equitable. But comparing what happens to us with what happens to others throughout our lives is natural and inevitable. Therefore, whatever mathematical statistics may say, our perception will always be subjective. Thus, we find some people who always Some believe they are lucky, whilst others constantly complain about their bad luck, and both are undoubtedly far removed from objective reality.

In financial terms, by this very principle we must accept that, over the course of our lives, most of us will face tough setbacks, both personally and professionally. But good fortune will also be within our reach. And it is here, in financial terms—financial or business context where we can do something to to destabilise the capricious scales of chance.
It is common knowledge that you are more likely to develop lung cancer if you have been a lifelong smoker. Therefore, just as we are more likely to fail financially if we make the wrong decisions and take the wrong path, discipline and the right course of action will help us avoid problems whilst making us more open to good fortune.
Indeed, all the right decisions we make and the actions we carry out with diligence turn into a host of unforeseen factors that will work in our favour when we least expect it. Furthermore, this good fortune, which comes our way from time to time if we are vigilant and create the necessary conditions for it to do so, improves our current situation, enabling us to create more and better conditions for provide feedback the best chance of success. We have named this virtuous circle Effect Cluster. We define cluster as a bunch or congestion of units that form a larger unit, enhancing its qualities and its appeal in order to expand that cluster. This is a basic principle in both genetics and astronomy, and we might say that it also applies to business and economic life.
Well-managed and well-run companies will have greater resources at their disposal, which they can use to improve their management and leadership by hiring services of better managers and staff, which will ultimately have an impact on the quality of service providing feedback its upward progression in shape continue. We might say that this is the opposite of a vicious circle, in which a lack of resources will lead to increasing organisational dysfunction until the organisation ceases to exist.

For those who feel miserable, who are always complaining about their bad luck in business and think that if they set up a circus, dwarves will start sprouting up, here’s an illustrative comparison: If rain falls evenly across a landscape, why does the vegetation often Is it uneven? Clearly, there are areas where humidity levels are the same, yet vegetation does not grow, or grows only sparsely and sparsely. In the same way, business opportunities constantly pass us all by. Just as rain falls upon the earth. Some make the most of them and turn them into lush wealth, whilst others continue to squander their meagre funds on primitive lotteries, lamenting their bad luck and waiting for «The Opportunity» that will never come. Rain, like business opportunities, passes before their eyes without them even realising it.
Believe it or not, doing the right thing and working with diligence and wisdom attracts good fortune. Perhaps the good luck is not as random as the fools would have us believe, and I would dare to say that, in economic terms, it is not even that unfair.

Win-Win. Success in business and in life.

Drawing on our extensive business experience across various sectors (I have always run my own business), we can say that one of the keys to business success is selling products or services that bring benefits to the buyer. In the case of products, it is always much easier to achieve good results if, in addition to quality and a good price, the transaction is accompanied by good customer service both during and after the sale. Although this is not absolutely essential when selling products, it is certainly advisable that these items not only contribute to the buyer’s financial well-being but also align with the evolution of changes social factors. In other words: it is easier to make progress as a business if, in addition to the factors already mentioned, our business sells products that improve immigrants’ ability to earn money, or that result in savings or an improved quality of life for elderly customers, to give a few examples. In both cases are aimed at groups whose numbers are clearly on the rise and whose potential market is therefore growing year on year.
When we apply these principles to the sale of services, the analysis is much more clarifier: If the services offered to the customer have a positive impact on their finances, success is almost guaranteed. Conversely, failure is just around the corner. Nothing is as profitable as helping your own customers make money.
This now outdated concept of the Win-Win Anglo-Saxon is one of the absolute truths, not only in business but and in social relationships in general. And it remains relevant over time.
Payment of a Ferrari It generates the same type of commercial document as the payment for a transplant procedure: an invoice. But however is obvious that we are talking about radically different commercial relationships. Buying a packet of cigarettes is not a relationship win-win, whereas the purchase of a service is counselling financial, coaching personal or business reasons, or even a well-deserved holiday.
In a strictly business sense, when someone offers an additional service for which they do not charge, and which generates an extra benefit for their customer, they are not only setting themselves apart from the competition but which is also becoming a point of reference for this client, who will probably soon regard it as indispensable for meeting their needs in that particular field and others in the future. The more and better service a company provides, the more it builds some The more you recognise the type of wealth your client possesses and do so altruistically, the more they will reward you in the medium and long term. Not only will your turnover increase but which will also enhance its ability to develop new business areas with these clients and other new ones that will come along listed by these.
In fact, the new areas Business models are nothing more than opportunities which needs to be balanced against the company’s own situation, one’s personal circumstances and the state of the market. However, we believe this topic deserves a separate post.

At 30 it is too late. Or, «Get healthy in moderation. It's your responsibility.

Surely we can almost all agree that during our unpredictable lives we should try to accumulate assets that will allow us to reach the end of our lives with a decent financial stability. Growing old, falling ill and dying are unavoidable stages in our lives. Although, if we think about it, we can avoid old age if we die young, and even illness if we die accidentally. But in view of this, I prefer to cling to the hope of growing old and getting sick before I die.

All this in a scenario of financial comfort is more bearable. Especially because of the way you will be treated by those around you if they are waiting for a more or less substantial inheritance. We all have close cases of people who have come to their decline depending on the charity of others, be they family, friends or the State itself. Although I could not say which of these is less reliable, I would venture to establish Friends as the most stable plank to hold on to if one has maintained an honest and noble life trajectory, which is rare.

Most realise this need for financial foresight when it is too late. They rely solely on their ability to produce an income. via The banks kindly see to it that an individual can greedily consume goods far in excess of his or her productive capacity. The banks kindly see to it that an individual can greedily consume goods far in excess of his or her productive capacity. Even beyond what could The state would be able to produce healthy working people until the age of 65 and then be supported by the state. Even in these ideal circumstances, it would never be able to generate as much as the banks can. are The limit of indebtedness should be set by ourselves, not by the companies that live by mortgaging all our time and productivity two times over. The limit of indebtedness should be set by ourselves, not by the companies that live by mortgaging all our time and productivity multiplied by 2. And even so, moderate indebtedness should only be assumed as a depreciable investment and not for the purchase of leisure consumables. You will find some amusing situations in the novel «El vendedor de tiempo» by F. Trías De Bes (http://www.empresaactiva.com), which refer to the aberration of mortgaging one's entire life time for an asset, even if it is one's own home.
It is true that most people never manage to break out of the vicious circle of living at the same rate at which they are able to progress. This condemns them to depend on the income generated by their work throughout their productive lives, and only live off the state in old age, something that is increasingly evident that is not going to happen. succeed them to our generation of 40-somethings and, of course, to future generations. It doesn't matter if we are talking about an office worker with a salary of 25.000 eur/year or a high-level professional earning more than 100,000 eur/year. If they live life at the limit of their possibilities and do not Prevent an accumulation of productive assets over the years, they will always depend on their jobs. And unforeseen events such as work-related problems, marital problems, illnesses, etc., are always will sinkn in miseries from which not everyone will be able to recover. Robert Kiyosaki christened this phenomenon of a «rat race» from which it is not easy to get out of, in his popular book «Rich Dad, Poor Dad». You can find out more about Kiyosaki at http://richdadclub.es But it is not only important to get out of this rat race. but that what is really vital for success is do it as soon as possible! That's why I'm titling this post: 30 is too late:
The compound interest of 100 € working financially correctly saved at the age of 25 means more than 800 of saving effort at the age of 50!!! Even deducting inflation, the investment effort not made during our first years of productivity will be so expensive in our maturity and old age that it will be unbearable for most people who start accumulating productive assets in their thirties or forties.

I am not talking about pension plans but about well-advised and diversified investments in optimised fixed income, real estate, real estate and other investments. profitable and with good rallies appreciation; and judicious and very moderate equities. Although of course a pension or savings plan taken out at 40 is better than nothing, it will only palliate the coming famine and, of course, condemn the descendants to follow the rat race by relays.
Your money should be used to lend it to others, and they should work with it. Logically, we should not do this ourselves, but through the purchase of financial products that are carefully tailored to our profile. For this delicate selection, we must be well advised by someone who teaches us how to do it while guiding us, and who does not simply sell us products (this is easy to say and almost impossible to find, but there are some). In return you will get more money (corporate or sovereign bonds, for example). This is the difference between producing in exchange for hours of work and lending your assets so that others can produce. At the beginning of our lives everything we earn we have personally produced, and gradually we must lend a greater proportion of our money so that others can produce. Our focus should be on reversing the initial sequence as soon as possible. Once we have achieved this, it is our own choice whether to continue working or to do what we really want to do. There will be those who prefer not to do it any more, it is a question of calculation and the will to leave the heirs in one situation or another. Freedom in capital letters. Paradoxically often Working without the pressure of remuneration leads to an even higher income if it is done with rigour and honesty, I can assure you.
Only cicadas should be able to live happily depending on an income generated by a work activity that can be truncated at any time. at any time of our lives for infinite imponderables, In exchange for a progression (or regression!) that only serves us to go on better holidays, have a more expensive car or a house that will take us more years to pay for. Although when we are about to do so, we will exchange it for a bigger one or we will buy a second or third home for the bank.
My advice to those who, because of their working conditions, have a modest income, is to make an effort to save and invest even the smallest amount. The strictly dispensable, non-vital amount that would allow us to live a step higher than last year. This seemingly insignificant amount should invert as soon as possible in a somewhat riskier but well-advised manner. And above all, maintain investment rigour in future years, reducing risk in proportion to the total volume available over time. All of this is done with the help of a good counselor and not from financial advisors or, of course, bankers. The strategy must be tailored to each case like a tailor-made suit, haute couture if possible, even if we have little fabric.
Smoking kills. Drink in moderation. Endéudate with moderation and judgement. It is your responsibility. It should be warned in banking and consumer advertising. Unfortunately there is no other way to live life in the medium and long term. What is the point of bread for today... if we all hope to grow old?

Every client, a world. Every profile, a problem. Some examples.

Our comprehensive advisory services have been utilised by a wide range of clients: young and not-so-young individuals with newly acquired wealth from lotteries or inheritances; professional athletes and artists with little or no financial knowledge who must devote themselves entirely to their careers; businesspeople whose children are unwilling or unable to follow in their footsteps and need a restructuring people who are fully committed to the life plans they have been pursuing for decades; young entrepreneurs who have achieved business success and must not allow their attention to be diverted from their day-to-day work on corporate growth; and many others besides.

All of these come with serious risks and pitfalls that must be avoided: athletes and artists operate in a highly complex and all-consuming environment that is almost incompatible with the financial discipline required; therefore, their best option is to keep their professional and financial lives completely separate, leaving the latter in the hands of experts counsellors rather than representatives leeches.
Young entrepreneurs risk jeopardising their companies’ upward trajectory by venturing into financial investments for which they are not are so well-prepared; a good entrepreneur knows about business, not financial investments, although many people confuse the two. The lucky ones who lotteries or their heirs, as is usually the case are off-side on any matter relating to money, and they also find themselves holding shares in companies with which they have no connection whatsoever. The heirs often end up in the hands of lawyers trusted by the original family who will They are treated as mere pawns until, within a few years, they have been stripped of a large part of their inheritance in favour of other relatives or the bankers themselves. Meanwhile, the lucky winners of raffles will fall into the clutches of bankers who, with their ties and «guaranteed» investments, will persuade them to invest in the most lucrative products for the bank. These lucky ones tend to invest the money their bankers «generously» allow them to spend, in businesses and proposals from new «friends», in a completely reckless manner that usually ends in utter financial carnage. People with an entrepreneurial background or a successful professional career tend to accumulate assets roots excessively rather than investing in financial assets in a seasoned manner, whether in fixed-income or equity markets, using well-structured products. This imbalance in their financial portfolio often leads to missed opportunities continuous of the potential growth of their fortunes over the years, which means that, in the best-case scenario, they will only manage to accumulate enough to barely provide for a comfortable retirement, leaving a legacy that will condemn their children to continue struggling financially.
These are just a few examples of the distinct profiles we have worked with over the years. They all have a long way to go, and in each case they need tailored advice and solutions. We call this a counselling or comprehensive advice on their bespoke wealth management.

901 per thousand of newly acquired wealth is lost in less than 10 years.

When the concept of Family Office Alongside companies offering comprehensive management and advisory services for individuals, families and businesses with a fortune in excess of two or three million euros or dollars, another revolutionary concept is emerging: The Fresh Family Office.

Indeed, these firms specialise in advising and managing smaller fortunes, those of the newly wealthy or young heirs. They guide their fledgling and/or elite clients along the long and difficult path they must take to master, protect and, above all, enjoy their future or brand-new fortunes. Not only on a financial level (a complex world into which they will have to immerse themselves with the guidance of these experts) but also on a personal and social level. They will have to learn to navigate a world of sharks and opulence for which no one has ever prepared them.
Among them are professional sportspeople and artists, who are fortunate enough to lotteries, heirs to all kinds of assets (businesses, property, etc.), or young entrepreneurs who must continue to devote their limited time to their business and cannot – nor should they – spread their efforts too thinly by managing their growing wealth. They all need a Family Office just like any other established fortune held by people of a certain age, but these individuals also have something in common: youth and inexperience with wealth, and an irrepressible desire to enjoy it excessively.
For this customer profile, a Fresh Family Office It offers much more educational protocols, whilst also incorporating a value to which particular importance should be attached: the enjoyment of wealth.

The Family Office They have existed for over 50 years in the US, and in Europe and the rest of the world they have grown exponentially in recent years due to the huge number of Fortune 500 companies that have decided to join a elite Clients advised by experts in all the disciplines that affect life as a wealthy individual. These experts go far beyond the role of a mere solicitor, tax adviser, financial adviser or private banking manager. A Family Office It handles absolutely everything relating to its clients“ wealth: financial, property and corporate assets, as well as all aspects necessary for managing these, and the structures required to pass on this legacy over time. They generally accept clients whose wealth exceeds three or four million euros, including their property holdings. Consequently, many ”moderate’ fortunes may become part of this elite of families who have clarified their life goals and are following a steady course towards building their wealth across generations. Another hugely important characteristic of a genuine Family Office It must be the refusal to accept powers of attorney or assets deposited with these entities. Ownership of all assets must always remain with the Client.
Now here come the Fresh Family Office, a new concept that modernises this revolutionary service in the client/adviser/wealth relationship even further, if that is possible. Indeed, the sector of new and young fortunes had been neglected by the major firms Family Office which traditionally focus on middle-aged or elderly clients, with fortunes even multi-generational. In fact, all the few Fresh Family Office are sub-structures derived from Family Office classics with the same know-how tailored to this new, fresh profile. They also share certain characteristics: they tend to offer their full range of services from nearby tax havens, which allows them to provide even more effective and versatile solutions. Why join a Family Office within the EU, whilst being advised by the best professionals in tax havens that offer favourable tax treatment for assets held both within and outside their country of origin? In fact, most young or newly accumulated fortunes have the opportunity to structure their affairs and establish a foothold in nearby tax havens, as they do not stem from organisational structures entrenched in a particular country or region, unlike established wealth multi-generational.
Furthermore, they interpret in a substantially different way the enjoyment that a young client should derive from their own wealth. In this respect, a young person heir@ (lucky@ lottery winner, young entrepreneur, etc.) will enjoy a steady and happy, yet prudent, process of induction into life in wealth. Obviously, if their wealth is based primarily on property assets – which is very common – they will need to undergo a bespoke process of converting their assets before they can begin to enjoy their fortune in a secure and consolidated manner.
The influx of new customers into this elite Most of their business comes through referrals, as this type of company requires the utmost discretion. Although they usually accept clients who have come into sudden wealth (unexpected inheritances, lottery wins, one-off major business deals, etc.), new clients are also recruited through intermediaries, who receive very substantial commissions for doing so.
Turning property, business shares or cash into a substantial fortune and learning how to enjoy it properly, whilst ensuring its continued growth over the years, can now also be within the reach of young people.
A comprehensive worldwide directory of Family Office via Family Office Exchange, (Chicago,IL) or at the European branch in London. http://www.foxexchange.com

Non-profit financiers?

Efectivamente, es posible. Existen excepcionales asesores globales de fortunas o Counselors cuya dedicación va mucho más allá de la mera remuneración económica de sus servicios. Se trata de expertos en patrimonios multidisciplinares que no sólo asesoran a sus clientes en cómo deben invertir sus activos sino también en cómo estructurar sus fortunas adaptándolas a las necesidades presentes y futuras de todos sus seres queridos.

El hecho de que estos Counselors hayan conseguido el éxito financiero para sus propios bienes a través de su dilatada trayectoria inversora habiendo consolidado y blindado fortunas muy cuantiosas, les dota de una perspectiva única hoy en día. Trabajan por vocación, porque les apasiona su labor de orientar, asesorar y elevar a sus clientes hasta cotas de riqueza y felicidad que jamás habrían conseguido por sí solos.
La mejor «materia prima» con la que desean trabajar son personas con ganas de aprender a llevar sus propias riendas económicas y patrimoniales. Evidentemente deben tener un mínimo nivel económico pero sobre todo con potencial de creación de riqueza en los próximos años. Guiarlos de la mano a lo largo de los próximos años con el rigor necesario en cuanto a inversiones y estructuración patrimonial desfiscalizada, hará el resto. La diferencia a medio y largo plazo será absolutamente espectacular, habiendo además evitado en el camino infinidad de problemas de todo tipo que la riqueza en manos inexpertas conlleva.
En definitiva podríamos decir aunque suene inmodesto que la obtención de los servicios de estos counsellors garantiza la exitosa trayectoria financiera y patrimonial para todos sus seres queridos en el marco de sus posibilidades reales de crecimiento económico global.

(+34) 93 626 47 75

(+34) 91 794 19 82

Category: Sin categorizar

Alea, baraka, yúnqì, luck. Cluster effect.

Win-Win. Success in business and in life.

At 30 it is too late. Or, «Get healthy in moderation. It's your responsibility.

Every client, a world. Every profile, a problem. Some examples.

901 per thousand of newly acquired wealth is lost in less than 10 years.

Non-profit financiers?

Shall we help you search?

Cluster Family Office

Do you need help in capital and wealth management?

How can I avoid the negative effects that my fortune may have on my children?

How and when should I talk to my children about family wealth, and what relationship should they have with money throughout their adolescence?

How can I measure the real risks of my investments and protect my assets adequately?

Do I have sufficient liquidity and stable income to cover my needs on a permanent basis?

(+34) 93 626 47 75

(+34) 91 794 19 82

Category: Sin categorizar

Alea, baraka, yúnqì, luck. Cluster effect.

Win-Win. Success in business and in life.

At 30 it is too late. Or, «Get healthy in moderation. It's your responsibility.

Every client, a world. Every profile, a problem. Some examples.

901 per thousand of newly acquired wealth is lost in less than 10 years.

Non-profit financiers?

Shall we help you search?

Cluster Family Office

Do you need help in capital and wealth management?

How can I avoid the negative effects that my fortune may have on my children?

How and when should I talk to my children about family wealth, and what relationship should they have with money throughout their adolescence?

How can I measure the real risks of my investments and protect my assets adequately?

Do I have sufficient liquidity and stable income to cover my needs on a permanent basis?

(+34) 93 626 47 75

(+34) 91 794 19 82

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